Your Questions About Workmans Comp Insurance Companies

Workmans Comp Question?

I was injured on 11/21 at work. Their Dr told me I was to be off until 12/3 and that I was going to be referred to an orthopedic surgeon. The companiesinsurance holder, Chubb told me that the Dr said I was to return the work the next day. So I went and got a Dr's note from my own Dr saying that I was to be out until my appointment with the Ortho. When I saw the orthopedic surgeon he said I had sprained my LCL and to come back and see him in 2 weeks and that I would continue to be off work until then. In the meantime I get a letter from Chubb saying they were disputing my claim from 11/21 to 12/6 (I saw the ortho on 12/6) Now today Chubb calls me and tells me they talked to the Ortho Dr and he says I can go to work tomorrow on light duty. I am not ready to go back to work as my knee has not gotten any better. I do not know what I can do. Can I get another note from my own Dr again? I have contacted lawyers but haven't heard anything today. Any ideas??

Chris Bohus answers:

I work fairly closely with these issues. Go with what your dr.s note says. If u do not have one call the dr.s nurse and get clarification. Make sure u know what light duty is. Work only within what your dr. Said. Lateral cruciate sprain probably needs an mri just to be sure it is not torn. Take care. E-mail me if u have any questions.

Jenny asks…

What do i do if insurance company refuse to approve a referral?

I been on workmanscomp for about a month now and my doctor referred me to a neurosurgeon for further review based off the results of my MRI which showed a clumping in my nerve root. The insurance adjustor that pays the bill ignores the advice of my doctor and won't acknowledge it. Instead they want me back to work when my doctor did not release me to go back to work, but only said no work. They keep sending me letters saying my doctor said i can go back to work for light duty but that is a lie. What do i do?
My doctor requested the referral, but the insurance adjuster don't want to pay.

Chris Bohus answers:

The insurance company denies your claim or benefits thinking you will give up, go without medical services, and if it goes to court, that you will settle for less to avoid the hassle. I just went through it and settled for $5000 after lawyer fees on a $13000 claim. I did not get medical care and I have been carrying two months worth of living expenses on a credit card for two years.

GET A LAWYER NOW

Chris asks…

Why did Clinton leave office with a deficit surplus and 8 yrs later we are so far in debt.?

During those 8 yrs taxes went down for the wealthy and increased for the working man while employers shut down factories in the US and moved jobs to China and build new factories.

For starters China has:
No air pollution regulations
No water pollution regulations
No soil pollution regulations
No workmanscompinsurance
No child labor regulations
No minimum wage regulations
No OSHA to protect workers
And companies pay very low or no import taxes or duties for these cheaply made low quality disposable products because congress has done away with the tax so companies can make more money for their rich owners who pay the lowest % taxes and have deductions we haven't even heard of. Lobbyists have spent more than $47 million so far this year persuading congress to pass laws in their favor. Where are our lobbyists???????????

I thought the Constitution said, " A government of the people, for the people, by the people." but it seems what we have is, " A government of business, for business, by business." We need to go back to the roots of government and do a complete overhaul. If I were an employer and had people working for me like congress has worked for us, I would fire the whole bunch and start fresh.

Chris Bohus answers:

First of all, I think you mean Budget Surplus.

But the answer is Bush

Started several unnecessary wars
Started tax cuts that cost the US millions of dollars.

Mary asks…

May have been duped at Carpal Tunnel Test?

A friend of mine had been having problems with her hand. she couldn't hold things anymore and it was feeling numb all the time. She went to her doctor and they tested her for carpal tunnel and it was positive. She has a physical job, so the doctor told her to go through her jobs insurance so she could get workmanscomp because she may need surgury and so on. When she went to the doctor for the insurance company, they tested her hand for CP and it was positive. The doctor said that cant be right and wanted to test her again. He had her hold her hand under hot water for several minutes, I believe 2 or 3, and then tested her again, this time showing no carpal tunnel. What happened there? Is that a trick so the insurancecompanies dont have to pay for work comp and so on? And how does she go about making a complaint about this and getting re-tested or filing a new claim cuz the womans' hand is pretty bad and I don't want to see her cheated and forced to work like this. Please, I need help.

Chris Bohus answers:

I'm sorry but what kind of test? Under the water? She should go back and tell them, theres other ways of testing for carpal tunnel one of them is called Tinels Test...which consist of taping @ the wrist...is one of the test that we use at physical therapy or massage therapy.
Tell your friend to fight for whats right. And to NOT let WC throw away the case. A lot of times WC dont want to pay and find ways to get out of it. If she needs to her to get a workers comp.lawyer they can fight for her rights.
Good luck ^i^

Mark asks…

How do I go about getting a refund of overpayment of social security and medicare taxes?

In 2006 I was injured on the job, but workmanscomp would not start paying me until I got a second opinion from one of their doctors. This took a long time, but in the mean time I got payed through my disability insurance, and this money was taxed. Workmanscomp finally owned up to the responsibility for payment, and after that my insurance company wanted to be reimbursed for all the money they payed. I recieved almost 4000 dollars in disability, and I payed almost 300 dollars in social security taxes. Keep in mind that workmanscomp payments are not taxable. Workmanscomp did not pay my insurance company back until January of 2007, I tried to get an ammended W2 for 2006, but they said they would just make the adjustment on my W2's for 2007. Well they did subtract the 4000 dollars from my gross income, but they also changed the amount of social security tax that I payed, but I have never gotten payed back for those extra social security taxes and I want my 300 dollar back.

Chris Bohus answers:

Your social security taxes will not get refunded to you personally. Your social security account was probably adjusted for the amounts. You'll only see social security when you retire and start collecting.

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